FIA Credit Card Services? You’ve Been Warned

You may have never heard the name “FIA Card Services”, but it is among the largest issuers of credit cards in the world. But bigger isn’t always better.

Do you have a Bank of America credit card? If so, you probably have an FIA credit card – they are Bank of America’s wholly-owned subsidiary for credit cards. It’s slightly odd to craft a meaningless and mysterious set of letters that don’t actually stand for anything rather than just simply branding the company “Bank of America Credit Cards, Inc. or something more transparent, at least. It’s probably a result of Bank of America’s acquisition of another mysterious set of letters about ten years ago – MBNA. At least those letters stood for something (Maryland Bank National Association). They were probably the originators of the FIA sub-brand. Many years ago MBNA hired former FBI director Louis Freeh as their general counsel (not bad work for someone with no financial services experience), so it’s only fitting there is some intrigue involved with that brand. Many regional banks and retailers apparently outsource their credit cards to FIA Card Services. So even if you don’t knowingly have a Bank of America credit card there is a good chance you carry one of their FIA-branded cards.

What is FIA Card Services?

What it is: Subsidiary of Bank of America for credit cards
Formerly known as: MNBA
Issues cards for: Bank of America
Stands for: Financial Institutions Association
Also outsourced by: Retailers and small regional banks

Not every FIA card product has issues, mind you. However, many have qualities which are not so appealing. Listed below are some of the more common complaints heard on the forum:

Complaint #1: Ambiguous rewards program

A good number of them use WorldPoints, which offer a substandard redemption value when exchanging a lower amount of points.

For example, if you redeem 2,500 points you would probably expect to get 1 cent per point and hence, a $25 value, right? Well with the WorldPoints program you would only get half that – $12.50. That’s quite a haircut. The conversion does get better the higher up you go, but it takes at least 25,000 points to get $0.01 worth per point.

Complaint #2: Feeling lost in the herd

Many rant about the customer support – or lack thereof – from FIA credit card services. If all these comments were discussed this post would be longer than Encyclopedia Britannica. However to sum it up, a number of people say that the customer service is less than accommodating. For example, requests for a one-time waived late fee, lower interest rate, etc. may experience a deaf ear.

That being said, over the past couple years many have reported an improvement when it comes to the FIA Card Services Bank of America division. Since the beginning of the year quite a few have noted being greeted promptly by a US-based customer service representative who seemed to be well trained/knowledgable.fine print about FIA card services

Complaint #3: No free lunch

It’s not that the interest rates or signup offers are exorbitantly high, but rather they are just middle of the road.

The highest cash offer recently seen to apply for a Bank of America card is only $100 and that was a “special invitation” or so they say. If you go on the Bank of America website you will see the bonus on a given card (and that’s if there even is a bonus) will typically be only $50.

The balance transfer offers are also less than compelling. Getting 12 months at 0% isn’t “bad” but it’s doesn’t even compare to the 15 and 18 month offers you see from some other major issuers.

Complaint #4: “An outdated website”

When you login to manage your account, don’t expect anything amazing. For example here’s a recent forum comment from JenB to give you an idea why the website is not exactly an award winner:

“Back to the issues with their website. You cannot set up any alerts on the FIA Card Services site. You cannot e-mail messages to them. You have to call and go through a BUNCH of prompts before you can ever speak to a live person – and then you get someone with a heavy accent.”

On the other hand, the website is usually uncluttered and free of ads, which is a positive that’s worth pointing out.

Complaint #5: Alleged unauthorized credit card payments

Have a bank account with money in it, but not paying your credit card bill? Well according to some allegations, payments have been involuntarily made in some circumstances.

On Debt Consolidation Care there is an article (followed by many comments) which allege “FIA is reported to have taken out money from consumer accounts without their authorization.” What follows are stories/comments which claim FIA Card Services tapped a customer’s bank account to pay off their credit card bill without their consent.

That being said, the majority of these complaints are a couple years old. If it is happening, my guess would be that authorization might have been given via the fine print agreements with the customer’s bank and/or credit cards. Either way, the simple way to avoid this alleged problem would just be to pay your darn bill, right?

But there is a silver lining…

Despite all the rants about FIA credit cards, there are some positives worth pointing out:

  • The Fidelity cards (for Fidelity account holders) offer a high 2% cash back reward on all purchases and jeffysdad, a Centurion Member of the forum, mentioned “Whenever I call customer service during regular business hours I get to speak to someone in the United States right away.” Because Fidelity is a respected brokerage firm and their reputation is on the line, you can bet they crack the whip on FIA to ensure there’s a superior level of customer service.
  • In addition to the card above, there are others with good rewards, too. For example, the BankAmericard Cash Rewards Visa Signature does not involve the not-so-popular WorldPoints and instead gives straight cash back.

Conclusion? A FIA credit card isn’t automatically a negative but it’s important to be aware of what others have expereinced involving cards issued by this company.
This article was written or last updated April 12, 2016

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

You guys are a bunch of idiots. FIA cards services is a way to keep everything transparent to the companies that are serviced. FIA IS BANK OF AMERICA! they are the same company with the same standards. All credit card companies/banks do something along those lines. Get a better understanding of credit and the cards you are applying for. ALWAYS READ YOUR TERMS AND CONDITIONS. Maybe things wont be such a surprise…

BassPro Master Card was under Bank of America, but BoA outsourced this one to FIA Card Services, somebody closed my account and I cannot make any payment. I am sure their system has been compromise, just ‘RUN” and stay away from them.

In my case it was unauthorized and it didn’t get credited to my account but someone else’s. . Digging deeper it looks like I paid of someone restitution of 18,000 in a county of CA for someone i know who tells me he has no idea how that 18,000 bill got paid down to only 123.00. Right! Just like I believed him when he was only person in my car and my wallet, drivers license, credit cards and 480.00 cash just vanished when I got busy
on the phone while we driving somewhere. Stupid me let him run back to area where we had come from on a fluke it fell out into parking lot even though I saw it as we were driving away right on the dashboard. It slid when I made a turn and phone rang.

My point is it’s bad enough payments taken out without knowledge but then to not get posted to your account??? We have to be on this stuff cuz no ones looking out for us. NO ONE!

Now I know why Prudential dropped its association with FIA Card Services. This outfit should be investigated quickly and thoroughly. I am getting out.

Any company that allows “fishing machines” to hit at $0.01, with just a card number (randomly generated on their machines) is not a credit card company you want as a partner.

I recently notified by my credit monitoring service that I got a negative report for delinquency, and my score dropped from the low 800’s to the low 700’s. It was a surprise since I pay my balances in full every month, and have auto pay set up on almost every one of them. So I checked the accounts that I’ve been using, nothing seemed to be out of order. Then I checked the accounts that I have not been using.

Lo and behold, there was a few (fraudulent) charges on my Fidelity Amex in Jan, and I have not used the card since April of last year. And since I did not know about them, there were late charges tacked on for the next 2 cycles, and negative report sent to the credit bureaus. What pisses me off is that there was no alert, or notification, from FIA about late payments, at least in that case, I would have been made aware about the charges on the card. Nor is there any way to set up autopay, which would have prevented the late charges all together. It seems FIA prefers to quietly tack on late charges.

I called FIA, disputed the charges, the rep asked me why didn’t I check my balance, even though I told her I have not used my card in close to a year. I had to tell her again that I have several cards, and I don’t check balance of everyone of them, if I know for a fact that I have not used them in a while. She promptly transferred me, and the next rep also transferred me. The third one took my dispute, said there had been some data breach at FIA, canceled the card, and said to wait for paperwork to fill out.

When asked what about my limit, which had been cut from $14k down to $500, and correction to the negative report, I was told I have to wait until all this sorted out. What a mess.

Compare to Citi, or Chase, FIA service level has a lot to improve upon. The online website to manage the account also needs major improvement. It’s like it’s from the early 2000s, that is vastly sub-par, both aesthetically, and functionality.

FIA stands for Fidelity Investment Awards, which is reflective of the best product they offer – the 2% cash back on all purchases. I have had this card for 8 years and it has been great overall. Over $5000 in cash back, that’s CASH. They have cut my card off for fradulent charges several times, and have probably covered over $2000 in fradulent charges that have been charged to my account. Basically, my product is great! Just thought I would share.

This is the worst credit card service company ever. My card gets declined for routine charges all the time. I’ve had a charge declined. I called in to let them know that it was legit. They said ok. They declined the same charge again. I called back. They said that they would authorize the charge. They declined the same charge for the same retailer for the same amount a third time. How stupid are these guys???

Sorry, sir. You are sadly mistaken. FIA doesn’t stand for anything and is a company made up by Bank of America to cover their identity. This is how they get away with servicing other banks’ credit cards such as Charles Schwab and Fidelity. Other banks outsource to BOA so they do not have to have their own call centers.

I have a Fidelity MC serviced by FIA. My wife keeps getting cut off for fraud alerts over relatively routine/normal transactions. while she is out shopping. Our card has also been replaced countless times for “security breaches” that they never explain. After they cut off the card today , I finally got an automated call. But when I tried to verify the charges, they put me on hold for almost an hour and then the system just hung up on me. I finally got though by calling Fidelity. I’m done with FIA and have serious doubts about Fidelity’s judgment.

Avoid this card. Avoid this card. AVOID THIS CARD! Fidelity Investments, with all of the financial clout that they can bring to bear, can’t help with fraud/dispute issues. I question Fidelity’s continued involvement with this company. Lending Fidelity’s name and prestige to FIA is wrong and makes me question my reliance on Fidelity.

Repeated calls to FIA about fraudulent charges generated repeated promises of prompt resolution. It never happened. As a result I am out over $300 and the errors have never been corrected. And to top it off, my credit score was dropped from 820+ to 650. They refused to provide details. They refuse to provide meaningful contact info for anyone who has authority to address concerns directly.

When you talk with ‘customer service reps’ the responses are inconsistent from one day – one rep – to the next.

worst card company ever.
every imbicile working there has a different understanding of policies.
I have spent literally hours (trying to ) clear up matters that would take 3 minutes with AMEX.
They will not give out VP or CEO information to complain to them.
I actually was hung up on by a supervisor (no profanity or raised voice on my behalf).
STAY AWAY FROM THIS COMPANY there are much better ones out there and they also offer 2% citibank, capitalone

I felt so compelled to leave my input here. Anyone who has decent credit score should stay away from this company. They are awful. We disputed one charge with them, and got so much aggravation that there is not enough space here to write. What probably is the worst that we escalated the issue to a senior dispute manager, and all his promises were “empty”, we never heard back from him again. Pretty lame. There are options and we should all take our business elsewhere.

While the 2% back is great, FIA service is beyond awful. At least three times I have had my account # changed because FIA believes they have hacked. This means each time I have to change all direct bills and payments. It is not worth the 2% we get back.
I can’t believe Fidelity would offer this to it’s customers. While it only has Fidelity’s name, it is a reflection on Fidelity that they would partner with such a poor performer.
There is word that Fidelity may switch card companies–hope it happens sooner than later.

BOA FIA CARD SERVICES – UNAUTHORIZED SELF PAYMENTS. Glad I am monitor my checking account often! One day I’ve noticed that FIA Card Services took almost $4,000 to “auto-pay” itself w/o my authorization. The “funny” thing was that my card balance was under $2k! When calling, they first denied it was initiated by them until I’ve proved with an email from their system that that the last I was online was a week prior. After 4hrs on the phone, they agree “pending” investigation on whose fault was it to refund my money AFTER 3-4 BUSINESS DAYS!! Of course, I couldn’t wait that long to have $4k put back in my account so I’ve disputed the charge with my bank, which fixed the problem same night. What a difference. There hundreds of similar complaints on the web. It seems someone shady company is trying to make money out of customers…too many people unhappy should send a message. Where there is smoke, there is fire. I am getting out of FIA forever. Too bad there are linked with a great companis like Fidelity and AMEX

I have a FIA card services card through Fidelity. There has been a lot of work with fraudulent transactions. It’s done with paper documents and they are really messed up. Today a representative admitted that they have changed their IT systems and that would be the reason. I don’t quite buy that. I am afraid the mess will continue in the future and I am considering canceling the card.

I had the Schwab Visa (managed by FIA) 2% cash back until it ended, then switched over to Fidelity Amex 2% cash back, also through FIA card services. I have been using this card whenever I can and always receive 2% cash back every month without a problem. You must have the 2% cash back deposited into an eligible Fidelity account, otherwise it’s 1% cash back. I set it up so the cash back is deposited into my Fidelity account automatically every month so no action is required by me. I also have monthly autopay set up with FIA for the full balance, again, so no action required by me. I monitor every transaction via the free app on my iphone/ipad so can see if anything amiss the same day. The key is to automate everything and minimize the number of times you have to deal with customer service. I must say though, for the 2 or 3 times I’ve had to call them total over several years, I’ve always gotten an English speaking person, very professional and polite and my issue was addressed and handled perfectly giving me zero frustration. I have nothing but praise for the Fidelity Amex 2% cash back serviced by FIA card services.
As an aside, this is a great deal for the consumer, but a horrible deal for the poor merchant. Ever wonder why FIA card services, with its Bank of America roots, is partnering with American Express for this card? It’s because, in the vast majority of cases, the merchant fees are much higher with Amex than they are with Visa/MC. Otherwise, they couldn’t afford to give the 2% cash back. The poor merchant takes a hit so that the card issuer can offer bigger rewards. Schwab Visa 2% cash back was losing money so it was shut down. They thought that the interest paid by those who carried a balance would offset those that paid their balance in full every month. It didn’t, as most paid their balance in full every month. The higher merchant fee charged with the Amex, so far, has allowed the Fidelity Amex 2% cash back to work.

The anti-fraud measures taken by this company frustrate me beyond belief. Sure I like the 2% rebate except when I am continuously blocked and embarrassed on large purchases above a few hundred dollars. Just this week I called them in advance to warn them I was making certain large home improvement charges and they still blocked the charges, necessitating more phone calls and more complaints. Citibank offers a 2% card so goodbye FIA. I have never run into a company that sucks as bad as this one.

Amen, Eileen. I am calling both of my FIA card issuers to register a complaint.

I thought the card was a pretty good deal at 2% back, so used it all the time and paid the balance off monthly. Then I noticed the rewards seemed smaller on the statement I looked through the fine print on the website and found they had reduced it to 1%, then a couple of months later it was down to .5%. Don'[t know how some commenters here still say they are getting 2%, but I say you better check. My card now lives in a baggie in my freezer, and that’s where it will stay. I second the feeling that customer service went from abysmal to merely indifferent, and yes, they usually turn a deaf ear to requests that cost them anything.

Been with them for years, still getting the full two percent back. I use the card for everything. Sounds strange that they lowered your cashback. Doesn’t make sense. You have the Fidelity American Express and your not getting the full 2 percent back. Can you also post the link to where you find this information of lowering the cash back, because I read it and I can’t find what your claiming. Thanks.

I checked and there’s no problem with my account, still getting 2% back like clockwork, put straight into my Fidelity account. Hundreds of dollars in real value, and I don’t even have to think about it! Hope you resolve whatever’s going on with your account, Charlie.

A tip for others: I got both the Fidelity Amex and the Fidelity VISA. The Visa just returns 1.5% but I’m glad to have it at places that don’t take the Amex. Plus, it’s easy to view and pay both accounts together on the Fidelity site.

I still get 2% on all regular charges. however, International charges are only 1% (bummer) but I do not think this is anything new. Not sure where you would be seeing 0.5% i do not think anything is that low

Had a fraudulent charge. They notified me immediately, froze my card, removed the fraudulent charge and I received replacement card in 2 days.
A potentially horrifying experience minimized by AMEX FIA Fidelity.
What more could one expect.

I have had an FIA Fidelity AMEX card for quite a few years now. I like the benefit of the 2% cash back, use it for almost everything and pay off the balance at the end of each month. Recently, I discovered that there was some fraudulent activity on my card. I identified the fraudulent charges with a customer service representative. That exchange went very smoothly, the card was canceled and then replaced with a new one that I received within a week of the having made the fraud report. A few weeks later, I received some paperwork from the FIA Fraud Department in the mail. I had some questions about the form that I was asked to review, sign and then return to them within 10 days. That’s when the trouble began. Impossible to get through to a customer service representative! I called a number of times throughout the course of a day and evening (it was a Wednesday)to no avail! Even after 9:00 p.m. EST, I was placed on hold and had to listen to the most irritating, repetitive music and incessant recorded message thanking me for my patience! After 25 minutes of this, I hung up again in frustration. It’s a disgrace! I decided to fax the form back to them along with a letter relaying my questions as well as my frustration. In the meantime, I am attempting to identify the name(s) of appropriate FIA senior management so that I can voice my complaint directly to them in writing. If this is an example of what I can expect from FIA customer service, I just may be looking for a new credit card in the very near future.

Don’t have a FIA Card, but they call three to four times a day and never use a message. PIA

Iakopo F. Taulai

Still awaiting for my FIA CARD since expired on 97/14. And again, please I need my card so desperately. Thank you.

For many years, I have had (2)FIA cards via my Fidelity Brokerage:
AMEX (2% CashBack) and the
MasterCard (1-1/2% CashBack) (no longer offered)

I like benefits; I don’t like the customer support services. I especially dislike that they do NOT provide ANY Online-communication options.

Over the recent Thanksgiving Weekend, my MC account has “unauthorized charges”. Within 20 hours, five(5) identical $274.99 charges at were “approved” by the jokers at FIA/BoA. I only discovered these fraudulent charges by a routine login to my online account.

FIA/BoA must have had a LOT of issues, because Monday A.M., I could not reach any card-service support, fraud, etc. personal by any of 5 phone numbers I could find for them, Calls were either not answered, disconnected, or endless holds…

FIA/BoA keeps phone service agents totally in-the-dark. Customer must always be transferred to another agent, who again wants to know why you called and needs to re-verify your identity; annoying & frustrating. Their personnel talk like robotics with poor hearing and lacking-empathy.

The company must treat these employees horribly, because that is how these people treat their customers.

Most of my experience with FIA has been pretty good. I’m a Fidelity customer, and I assume FIA representatives have orders to behave themselves when dealing with Fidelity customers.

But I do receive statements online and pay in full every month online, so there’s never been any opportunity for them to run any snail-mail flimflams on me regarding alleged late payments.

Still, on two occasions over the years I have been subjected to the account cancellation and new card reissue routine due to “Merchant Compromise.” And they never tell me what’s going on. I just see flaky stuff like no transaction history or a strange account number when I login online.

And they do have a truly bizarre fraud algorithm. In May 2012 I tried to buy an airline ticket online for myself in order to deal with a relative’s medical emergency, was declined, and got a call from their fraud department. Ultimately, they did approve the charge, but who wants to deal with that nonsense during a medical emergency?

I still find it astonishing that trying to buy a plane ticket in my own name, using a credit card in my name, using my home address as the credit card billing address, and departing from and arriving at my local airport would be a matter of interest for their fraud department.

Go figure.

In regards to point number 5. That is the right to offset it is the case with any bank. If you have a credit card through a bank, and you don’t pay it off. They have the right to offset the payment through your checking. Same goes if you overdrafted your checking, they will go into your savings to offset. Nothing illegal about the practice. Just pay your bills.

If you care about your card’s security, use a different credit card.

I used to use my FIA card a lot, because it provided Shop Safe, a security feature that provides virtual card numbers for online shopping. Shop Safe has now been broken for a long time, and FIA refuses to fix the problem. I had to stop using my FIA card for online shopping.

If you need a card that gives virtual numbers, get a Citi or Discover card instead. FIA is useless for this purpose.

It’s a shame that FIA considers security to be such a trivial matter. Companies seem to care about security only when a hacking incident is reported in the newspapers. Then we get to read quotes from the CEO about how “our customer’s security is our prime concern”. The reality is that as long as a security problem is not reported in the newspapers, security gets ZERO attention from companies such as FIA.

I have Fidelity Amex and Visa cards, serviced by FIA. The Amex is the card I use 95% of the time due to the 2% cash back. Too many Amex card number changes due to unspecified merchant compromises, and too many Amex random declines. I’m here to look for another issuer.

I accquired my FIA Visa credit card through my Fidelity brokerage account. I thought it was Fidelity’s card. It pays 2% cash back every 3months. I swip everything I can on this card. I can see my charges, balances and payments with just a couple clicks away from my brokerage account. I have an automatic withdraw to make full payments each month. Never an annual fee. I have never had a bad experience with them. Always good, clear customer service too. Could not be happier!

“… Earn 1.5 points for each $1 spent on the first $15,000
… in purchases per year, and
… 2 points per $1 in purchases made thereafter “

How do I get these idiots to stop calling me? They have been saying this is your last chance for over a yr. I try to tell them that I do not even own a credit card, so how are they going to lower my rates? Just stop calling, 3-4 times a day.

Bass Pro Shops - Outdoor Rewards MasterCard

This unprofessionally ran FIA division has cost B of A and Bass Pro Shops a good customer.

When shopping at BPS I was offered a discount on my purchase if I applied for a Conservation Card. I NEVER do this! Because my purchase was pretty large and because I shop at BPS a lot, I gave in. As my credit score was 825 I knew they would issue the card.

My first bill came with a late charge and an interest charge. I immediately called and asked why. They said because I didn’t pay my first two payments. I told them this was the first statement I received!

By the way, I have lived in the same house for the past 20 years.

I finally convinced them to remove those charges and I paid 1/3 of the bill even the minimum was much less. I always pay my credit cards in full each month but in this case thought paying in three payments would help establish myself with them….WRONG.

The next month I received a statement and paid another 1/3 of the balance.

The next statement I received had another late fee included. I called again and they said I missed another payment.

Now I ask you, I have lived in the same house for over 20 years, have had the same job for the same length and have a credit score of 825. Does that sound like someone who misses payments especially for this small of an amount?

Regardless, I paid the card in full and immediately cut in up and discarded. I wrote a letter to B of A who by the way I have had another credit card with, a checking account, a savings account and CD’s with for over 15 years. I was upset because they reported this to the credit bureaus and my FICO dropped 20 points!

In my letter I asked them to reconsider their report based upon my overall business with them and the fact that their billing department was a mess. I felt this was a scam to get extra money from a card holder.

They responded that they could not do anything and they found their actions proper.

Needless to say, Bass Pro Shops and B of A has lost a customer. I will never shop their again and I closed all of my accounts at B of A.

Very near sighted and unprofessional to trust mid level managers with this decision making authority.

I have had the Fidelity 529 Master card through FIA for a long time. 2% no questions asked and acceptable customer service. I recently added the Am Express Card with similar terms. Hardest part was linking the cards to the 529 investment accounts (for our grandkids). FIA was originally part of Fidelity, hence the initials. Name wasn’t changed when acquired by BOA. These really are among the best cards out there – 2% is better than ANY points program or those cockamamie variable reward programs.

Donsld R. DeCicco

You are wrong, Willy05. FIA Card Services was never “part of Fidelity” as you claim, and the initials “FIA” have nothing to do with Fidelity. Before FIA Card Services (a subsidiary of Bank of America) started administering Fidelity’s credit card programs, they were run by MBNA.

These people send me notifications of renewal and accounts that I do not have nor have ever signed up for. Now they have sent me an unasked for credit card. Who knows where they got my name. They are sending it to New Zealand, United Kingdom so clearly they have got no idea even where NZ is. I get these on a regular basis all the way over here in little old NZ and throw them in the rubbish. The postage must cost them a bomb. Now they are sending me plastic as well.

I consider them scammers, right up there with the NIgerians. I am astounded to read on this site they have something to do with Bank of America. If this is true, the BofA is right up there with the Nigerians too. But that is the way the corporates are going. They live to siphon money out of the pockets of the every day folks. They care nothing for the planet or the future.

I’ll give you my store of complete incpmpetence.

On 01 July I received a call I traced to Card Services although they hung up before I answered and left no message. I then went to my online web site (my card is the Fidelity Amex with 2% cash rebate) and got somebody who hardly spoke English, probably located in India or Ceylon or some place else, telling me that they think my card had been used fraudulently. Indeed it had been to the tune of a $2,000 charge. We went through the whole thing, he told me a new card would be sent to me. I told him I needed a new card immediately for I was leaving on a cruise to Bermuda on the following Sunday. He told me not to worry, the card would remain valid till 24 July. I said to send the new card priority. He said not necessary as my card would remain valid till 24 July. He then for some reason asked me if I wanted to close the account. I thought he was referring to the old account being replaced by a new one. So I must have said yes. He told me I would receive the new card in the post in 5 days, after leaving for my cruise. He also made a travel notation I wouold be in Bermuda.

So I go on the cruise and try to use the card which supposedly remained valid till 24 July. It was declined. I had to use a different card which only gave me a 1% cash rebate for my incidental on the cruise not the 2% I should receive.

I come home on Sunday 13 July. Go through the mail. No replacement card. I call FIA customer service why I hadn’t received the new card and why my card had been declined despite the fact I had been told it would remain open till 24 July and I had already also received one notice that an automatic payment to one of my automatic payees had been declined.

I was informed, “oh you requested the account be closed so this account has been closed.” I said I never requested the account be closed. The moron who took the fraud report qand hardly understood English had apparently mis-interpreted my request to close the old account number with a request to simply close the account (despite the fact I run charges for over $1,000 per month on the average and have never been late for a payment. Okay, bad enough. So I told the customer serice rep to simply re-open the account as I had never requested it be closed (and had never received written notice to confirm the account be closed) and she said she couldn’t do that. I would have to speak to the credit department which is closed on Sunday and go through a new credit examination to re-open the account. I spent an hour going from one person to another who told me the same garbage.

On Mondahy, i called back, got somebody in the credit department and went through a complete grilling including having to give my salary and I am sure they rang up another credit report on me (never looks good). Finally, she said it looks good and referred me to another perosn in the credit department who had to approve my request to re-open. She looked at the record and said she would approve the re-opening telling me I had a wonderful credit record with them. I said, fine. Now send me my new card priority mail and make sure it has an emv chip. She told me not to worry, they all do.

On Tuesday evening, my neighbor knocked on my door with the card that UPS had delivered. Fine. End of problem, right? Well not exactly. The new card lacked the emv chip. Called back customer service. Oh I’m so sorry sir. We’ll get you out another card, priority mail. So I went through the whole rigormoroll of changing the automatic list of payees, updating my EZ pass account, my pay pal account.

On Thursday, yesterday, I waited at home for the new card. By 6 PM it had not apparently arrived so I once again called customer service. Their records showed the card had been delivered at 1104 AM and had apparently given the card to a neighbor who didn’t seem to be home. The neighbor had apparently just placed the UPS envelope on his dresser but never gave it to me. It is probably still sitting there or maybe the driver gave it to somebody else who decided to walk off with the package (I doubt that but it’s always a possiblity).

So this morning I once again called FIA and told them not to cancel the new account number that I would chance that the new card that was supposedly delivered was not being used fraudulently as I can monitor pending charges on their web site and everything still looked kosher and to send me my new card, with the emv chip, by regular mail. That’s where I stand as of this moment. I have a card lacking the emv chip and hopefully the card with the emv chip is not in improper hands. Of course I wish to complain to somebody about the total incompetence on the part of FIA.

1. Why was I referred to somebody in India or wherever who could hardly speak English who misinter-reted my request to close the fraudulently used account number for a request to close the account?

2. Why wasn’t that confirmed in writing?

3. Why was I lied to and told my old account number would remain valid till 24 July?

4. Why did I have to go through a new investigation of my credit to re-open the account. All some idiot at customer service had to do is press a button on the computer and re-open the account as it should have been obvious I had not requested the card be closed?

5. Why was I sent a new card lacking the emv chip after I specifically told them to make sure my new card had the emv chip?

6. Why when they use UPS to send something priority, do they not send me a tracking number?

Just a total, unacceptable approach to somebody who is supposedly a good customer, who carges at least $1,000 each month, has never been late with a payment. And when Irequested somebody from FIA contact me with some authority, I am still waiting to hear.

I used a balance transfer to FIA.. and thought I was getting 0% interest… So the first month, the balance minimum was $65.00.. then even though the balance went down the amount went up and I was not notififed.. So I get a late fee, they up the interest rate to 14.99 immediately.. no notification.. NEVER… I am paying this off and will dispute the fees and changes to the minimum payment. It is my understanding that they cannot change the minimum payment without notifying you… BUT of course they don’t… DO NOT I repeat DO NOT ever do business with these people.. They are the WORST!!

I have had various credit cards services by FIA Card Services for almost 10 years. Most of my transactions over the last five years have been thru my Fidelity AMEX and my Fidelity VISA, both of which are serviced by FIA. I charge about $40,000 to $50,000 per year and always pay my balance on time.

What you need to know is this: you absolutely cannot depend on FIA Card Services. You MUST have an alternate card serviced by someone other that FIA.

Here is why:

1)I made the mistake over and over again of linking recurring payments to my Fidelity cards – I have 20 or 30 of these recurring links active at all times. Twice in the last five years FIA has cancelled my card due to “Merchant Compromise.” When this happens, FIA doesn’t call you. You just get a new card in the mail and one to two weeks to drop everything you are doing, log in or call all of your linked accounts, and change the credit card number. When you call FIA, they absolutely will not tell you anything about the “compromise” – your card is cancelled, goodbye.

2) FIA’s fraud algorithym absolutely stinks (I’ve owned and IT business for over two decades). Once or twice a year I have been standing in lines at grocery stores, at gas pumps in the middle of the night trying to buy gas, and found my card was declined. No call from FIA – your card is just declined. I call FIA (the number on the back of the card), wait five to ten minutes, talk to a customer services rep who then has to refer me to the fraud department, and finally get it straightened out. This year I was declined because I went to a gas station where I always fill up and then to a grocery store where I alwasy get my groceries and FIA told me that their fraud detection software had some sort of problem with that particular combination of transactions. I am a cancer patient who travels from my home town to a distant cancer center several times a year. I always pick the biggest truck/auto stops for fuel – usually Love’s. Typically, somewhere in the middle of my trip, my card will be declined. I have to call FIA to get it straightened out. Once, last year, it was 3AM, my card was declined, FIA’s computer systems were down, and I had to wait three hours in the middle of nowhere waiting for FIA’s computers to get back up so I could get gas and continue my trip.

3) FIA customer service is the among the worst I have ever experienced. I used to run a customer service operation for a very large corporation, so I have some experience with this. It is not uncommon to find yourself dealing with a FIA customer service rep who, in my personal opinion, absolutely should not be in a customer-facing position of any sort. Particularly problematic are the personnel who staff the fraud department (who you will be dealing with on a regular basis if you use an FIA serviced credit card due to the fact that their fraud algorythm is so flakey).

4) Finally, if you use Quiicken to track your credit card transactions you are going to have to manually download your transactions into Quicken each month because FIA has no way to automatically link Quicken to their website. That’s a real bother in my opinion, particularly with the volume of transactions I deal with on a monthly basis.

Bottom line: After about a decade of dealing with FIA, I have finally decided that I cannot continue using any credit card that is serviced by them (they just cancelled my card again due to another “merchant compromise”). Earlier this year, I switched one of my Fidelity VISAs to Chase Slate. I am now giving up my Fidelity AMEX and another Fidelity VISA and switching these as well. While some of these cards have some good benefits (2% cash back on the Fidelity AMEX for instance), the hassle of trying to deal with FIA just isn’t worth it.

What is the mailing address to close my FIA credit card?

What is the mailing address to close my BOA credit card?

Amen Jim. same here. experienced all of this. my card shuts down twice per month due to their fraud algorithym being 20th century. too busy to switch but such a pain

I had a FIA CS credit card from 2003 to 2008. In 2008 they mailed my statement to an old address, so I paid the card off and cancelled it. They put the one and only 30 day late I have ever had on my credit report. Even though the card was cancelled and paid off they go out of their way to repost that 30 day late an it is on my credit report until this very day. Additionally they kept the account open until 2011 despite the fact I closed it in 2008 it took a great deal of effort to get them to finally close it out. I believe these people are evil.


Why in the hell is the website still down? Been down for a week or so now. Very dissapoint.

Part 2 of 2 posts: Add one more bit of information. is another access site operated by BofAm. It has been down, unavailable for use to me, just like and, and for the same length of time. Other credit cards like an American Express card I have directly from Amex and including an FIA business card access, are all working fine. One of the three levels of tech support I worked with … and all were very professional and very nice btw … told me this was a “Texas problem”. FYI defaults to for online access. I have three cards, two with Fidelity and one directly from BofAm, and none of them can be accessed online. This is the third day running that both web addresses have been down (Feb 24, 25, 26). I spent two hours working through three levels of web support and found nothing wrong with either the IE or the Chrome browsers I use. If you are having trouble with online access to your account(s) you are not alone. I contacted Fidelity, learned that they have been having this sort of outage … presumably because FIA is “updating” the system … for some time. It’s apparently a rolling outage, one area or state at a time.

Rev. Kenneth H. Fails, Sr.

I have been recently harassed by FIA Credit Card Services. I am 65 years old and have been scammed by the best! I used this website to check on this organization. Thank you, I know now to stay away from it!

I have a FIA card (Bank of Hawaii), there is a system wide problem, I was told they are changed my account number….for awhile there were 2 separate accounts showing even though there was only really one. Still my paper statement and card show on number and the online system shows another. No Notice, NO apologies, No explanation.

Richard Sherman

FIA authorized a check without my permission even knowing the account was not active. Incurred multiple fees because of this and have been on the phone for a hour with BOA, BOA Check Fraud, FIA & another department. I’ve asked for a refund of all fees and charges, especially with the unfair business practice. To make it worse, they didn’t even use the correct address on the check and never made me aware. Watch out.

Try to get the Fidelity card. All the phone numbers are different from the regular numbers.

FIA is the worst. The web site is slow and lacks many features. To cancel an auto payment, you cannot do it on line. You have to call and wait and wait and wait. The service people are rude and don’t give a damn. Ask them for a conformation number or ticket number on an issue and they don’t have them Ask them for a name, they won’t give one. ask for a direct call back number and they don’t have one. Nothing but grief….DO NOT USE !

I have FIA for27 years and thankful that I am able to go there when I have needed too. Have never had any problems at all with my FIA credit card.

There is never a Supervisor aavailable at FIA Card Services. This is a lie and they know it, but the 8 representatives I spoke with tell it so often that they must have the same moral compass as FIA/Bank of America.

True…they pass you from one department to the next and drop your call on purpose.

The FIA website is often down. The site lacks many of the features of other sites. You cannot contact them by e-mail with detailed information. They will not send you an e-mail with confirming information

Customer Service is terrible. I asked one rep to hold so I could look up some information that he requested. He said that if he did not get the info in 2 minutes, he would hang up. I told him that I was on hold waiting for him for over 10 minutes and he said that he would hang up in 2 minutes if I was not back with the information.

The website is often down.

As of July 2013, this article is quite helpful as a lot of the information is spot on. The issue of illegally debiting your bank account when you told them to stop auto-debit goes on.

However, customer service is still very bad. They will not help you or stonewall you. They will say the will transfer you and then drop you. Call back and the wound reconnect you to the same person. The will transfer you from department to department hoping you will get frustrated and hang up.

I world not recommend using the Fidelity Card. This is the exact card I had a complaint with about FIA and will be calling Fidelity to complain vigorously.

Bottom line—–> Do not use FIA—do not !

Two MAJOR issues with FIA through Bank of Hawaii. I have tried and tried to set up auto payment but after spending 55 minutes ( I timed it), and getting their website to delete the last digit of each entry I was asked if I was using Internet Explorer and then told they don’t support it. Still don’t believe it.
The reason I wanted to set up auto payment was because two months ago I sent in my payment with 6 days to due date, and it still did not get credited to my account. I was told since it arrived on a Saturday it would not be credited till Monday. They actually did it on Tuesday, and they would not remove the late fees. This month I sent my payment with signature requested and guaranteed delivery. They received my check on June 20 (due June23) and it took EIGHT days to credit my account! I was told the same lame weekend excuse (actually two weekends). Since I had proof they received it they removed the fees, but still sent me an incorrect statement. I closed the account.

Wait until you try to Cancel autopay or autodebit. Even if you told them not to online, they still autodebit and you get fees when your account is overdrawn. Buyer beware—-STAY AWAY from FIA !

My favorite with them – you are making your payments regularly and on-time and they still like to call to harass you into setting up an automatic payment with them because you do not hold any personal bank accounts at BOA in order for them to draft the money on their own.

Quite frankly if I am paying my credit card on time and for the amount which is specified for the payment that month then do not call and harass the customer – look up the definition of harassment BOA & FIA.

Bad service, misleading advertisements, at least from my experience.

My 86 year old mother, horribly plunged into dementia, is having about $350 a month taken out of her checking account by FIA, totally WITHOUT AUTHORIZATION. This is quite an accomplishment, because it’s a new (10 month old) account my brother and I opened, in a bank where she previously had no checking account. He didn’t authorize this, I didn’t, and my mother doesn’t even know she has this account. I just completed two phone calls to FIA; in the first, a woman said she’d put me through to a human being in the proper department, she put me through to and endless chain of recordings that wanted my card# or Social Security #! Yeah, I’m gonna give these s’bags my mom’s SS#….

The 2nd call started slightly better; I informed the (different woman) that I have power of attorney for my mom, that FIA has been making LARGE, unauthorized withdrawals, and she told me I have to file the POA papers, or she couldn’t give me any information. I told her “No, I spend half my time filing POA papers with people, banks, etc. all over the country, people I need services from. Right now I don’t need anything from FIA, except to know why they’re taking huge chunks of my mom’s money without authorization. Right now, the burden of proof is on FIA. And if I don’t get an answer by the time we get off the phone, I’ll make the 3 hour drive to my mothers bank tomorrow morning and shut off the taps”.

She told me that FIA would probably just start taking the money out of A DIFFERENT ACCOUNT! Honest to god. So I told her “I’ll cash out all her accounts and stuff the money under her mattress (shouldn’t have told them that). If that’s what I have to do to get somebody’s attention at FIA, to get an answer out of somebody, that’s what I’ll do.”

And not only did FIA start automatic, unauthorized withdrawals, several other morally bankrupt outfits followed suit (AAA Financial Services, Capital One ARC, Verizon West ARC, one more I can’t recall right now). How the hell did they find my mother’s checking account? And how the hell do they look at themselves in the mirror?

Do you by any chance have a phone # for Capital One ARC?

I am trying to find a phone number for Bank of Aerica FIA card services. I need to talk to someone with a credit problem. Any help?

call 1.800.655.1491 to speak to an Account Manager
shop safe 800-877-5749

Horace G. Edmondson Jr.

As a card holder for many years & never had an outstanding balance, I object to frequent [ almost daily] phone calls advising me that I can lower my monthly payments. Bank of America Customer Service,promised me they would stop, but they haven’t. My phone is listed on the do not call list , but I still get these nuisance calls. What must I do to STOP THESE CALLS?

Tell them you will file a lawsuit for harrassment. They cannot continue to call you if you have requested that they stop. This is considered harrassment.

I just noticed that my FIA card account is no longer associated on their website. I have been using it since 2005 and I always check my account online but all of a sudden since this week, when I log in it takes me to the password page but then after I enter the password, I get the message that the account is not associated with FIA. But then I try to register again, it says the card number is wrong and then when I call FIA, the call is being transferred to BOA and they say that your card number is not pulling up on our system and then again when I call after 5 minutes, I am told that I will be getting a new card from BOA. I don’t know what is going on. There is no information about the merger. I am worried and frustrated.

I have had the same experience with my account. I received new cards in the mail last week from BOA. When I talked to customer service they said that I would be able to use my existing points through the end of October, but the World Points website says that my account is not associated. My rewards do not show on the BOA site either. Very frustrated to loose 10,000+ points that I planned to use to pay for my rental car on vacation next week.

I don’t understand why my FIA card is being transferred to BOA.

Cause BOA bought them! Not a transfer. BofA Points were very difficult to manage so I switched to FIA –surprise — I haven’t really switched at all. But yes, it is easier thru Fidelity. Fidelity perk points become cash in my retirement acct.